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Debt Collectors pursuing a Settled debt??
Hi I'm new to this so please bare with me! I recently recieved a letter from Red Debt collections saying they were collecting a debt on behalf of Vodafone/Singlepoint from 2002ish. I emailed them to say i didn't know what the debt was about, and could they please ammend the details. I never heard from them again til i got…
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Statutory demand
Last night I came down the stairs to find a talk well built man standing in my hallway dressed in motorcycle gear holding a large brown envelope. Naturally I was very surprised. He apparently had let himself in the back door which was unlocked. Still reeling from the shock I remained speechless at which point he asked me…
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Credit Report
Hi All, Just wondering if anyone can help. I have entered into an IVA about 4 Months ago and subsequently got rid of all my Bank Accounts and Credit Cards Firstly, I want to check my Credit Report, but cant do it via Debit or Credit card, so wondering what is the quickest way of me getting it now Secondly, wondering if I…
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Full and Final Settlement letter help
I have a debt with Wescott which is 6 years old this month. I have been paying it every month since it was passed to them at £22.57 which is what the pro rata payment at the time was. A couple of years ago they offered me a full and final settlement of 75% the outstanding debt, but I didn't have the money. I now want to…
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Interim Justicia on my backside
Interim Justicia are on my back for an eBay debt (£54) incurred because Paypal broke and wouldn't accept my card to pay ebay with. I posted a cheque to ebay (recorded) which they did not cash despite it being the correct address according to their email support and it's been signed for. A month after this, I get IJ on my…
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need 500 for Thursday
and 500 for the following Monday. :mad: Can't think how to raise it.......can't sleep trying not to panic.....may buy a lottery ticket:o
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Black Horse Finance - are they having a laugh?!
Hi all DFWs! Some of you may have read my thread about becoming debt free - once an inheritance cheque from a very kind relative clears tomorrow then I'll be ringing all my CC companies, my loan company and Black Horse who I owe for my sofas (on 0%) and paying every last penny of my debt back (all £26k of it:eek: ). So,…
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Westcot DCA
I have moved house recently and am still in the process of updating addresses. It ok as friends still live in old place and forward it on regularly. Anyways, I hadn't collected my post since beginning of feb and in the preceeding 3 weeks Westcot DCA have sent me 3 letters culminating in a big red letter threatening me with…
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Had A Call
Had a visit from Credit Security Limited. Woman came to the house but I was out. It's over a 6k debt I have with Direct Line. She left a note that tells me its a free collection service. It says I need to settle or arrange payments. This has been through court in Beds so I know I have to pay them. My real problem is that…
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Help needed - how to tell him
Hi, I am in the situation wher my husband has found out that I have a loan which he did not know about. Can I ask you how you approached the subject to your wife, as I am so ashamed and have been trying to sort things out on my own for the last few years rather than speaking to him and sharing the problem. I think he is…
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PaP/Moozie's What will/have you spent today tuesday 26th febuary thread
morning all :j Hope we are all well and looking forward to today... not long now till the weekend. Hope you try and 'keep it low'. Have a great day...
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DFW Daily Chat Thread 26 Feb
Morning all. I've been up since 7 so thought I'd start the thread today. Hope everyone is ok. I'm just going to be working on AQA trying to bring a few pennies in. My ferrero rocher cheesecake is lush. Bit soft as it is missing some of the ingredients :rolleyes: , but still very edible!!
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Credit card cheques for a balance transfer?
I've just had a letter from Halifax who I have a credit card with, they have sent a couple of cheques to use before 31st march (otherwise they charge normal cheque rates), one is 0% til august then normal balance tranfer rate 5.94% (its a low rate credit card but charges from the date of purchase rather than the 59 days…
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Quick question re Quidco
Just been looking to get a car insurance quote and have got a good one with Prudential with £100 cash back, which will make my annual car insurance £95.30 this year :j Was going to pay now but brought the wrong debit card into work, if I save it and pay tonight will it still track? Thanks in advance :)
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Help Please
Help I am in so much debt and its affecting everyone. Can you help me please. My SOA New company acquisition £50-100 billion Company computer system (that doesn't work) £25billion Acquisition of an underground railway 1.5billion Building costs (Private finance initiatives) £45 billion Wranglings with foreign countries…
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Tuesday 26/02/08 What small dfw thing have you done today???
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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Dont Keep Debt A Secret From Your Partner!!
hi all, im posting this with hope that it might help people that were in my situation, i had managed to rack up alot of debt between 50 to 60 k. i had keep everything secret from my wife, thinking i was protecting her but in fact it was doing more damage. this weekend pluck up the courage and confessed all, it been a…
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Ticklepenny's debt free diary
Well hello! I am 24 years old My Debts = £7280 across 8 creditors all under my name some taken out as an act of kindness for friends :eek:* Monthly surplus (income -expenditure) £85 but I am working on this. Dont want to go Bankrupt as I would like a Mortgage even if it is 6 years before I can get one lol. Contacted CCCS…
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Ive done it again..upset the one who is perfect!!
ive screwed up and gambled again.. i cant believe what an idiot ive been. just want to cry all night for hurting my fiancee...
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Very Scary SOA - Please help
Hi I have been a member of MSE for some months...........I have only now been brave enough to face up to my debts and have managed to complete my SOA and to be quite honest want to cry (well, I suppose if I am honest I have been shedding a few tears!!) I am so embarrassed at the state that we have found ourselves in and it…
